Infinity Car Insurance Review: Rates & Discounts in 2023
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UPDATED: Jun 6, 2023
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- Infinity Insurance offers high-risk drivers auto insurance when other companies won’t
- The company provides all communications in both English and Spanish, making insurance accessible to all California residents
- Policy discounts apply for paying up front, maintaining good grades, automatically renewing, and going paperless
Looking for car insurance probably isn’t something you get excited about, especially if you need high-risk insurance coverage or don’t own a vehicle. High-risk drivers may look to companies like Infinity Insurance to get coverage.
In this article, we’ll explore how Infinity Insurance company may be able to meet your car insurance needs, even if your driving record isn’t perfect. We’ll look at coverage, reputation, and more. Read on for the details.
Infinity Car Insurance Coverage
Infinity Insurance was founded in 2002 and is part of the Kemper group. Since being acquired by Kemper, its headquarters are in Alabama, but Infinity offers policies only in California.
Infinity offers a standard auto policy for drivers who need the basics, including liability, collision, and comprehensive coverage. Regardless of your level of risk, you need liability coverage in almost every state. This type of policy can help pay for other people’s medical bills or property damage if you are at fault in an accident. You can add different types of coverage to the basic liability policy, depending on your situation. For example, a personal injury policy can cover medical bills no matter whose fault an accident is.
Collision coverage is another basic offered by Infinity auto insurance, which can cover damages to your vehicle no matter who is at fault, even if no other vehicle is involved, like if you crash into a post. Collision doesn’t cover running into an animal, though. It will cover someone else who is driving your vehicle if you’ve given them permission to do so.
Comprehensive policies tend to be more expensive with Infinity, but they pick up where collision policies often stop, covering your vehicle for things like hail, theft, and hitting an animal. Depending on the value of your car or whether you have a bank loan on the vehicle, you may opt-out of comprehensive coverage with Infinity.
You may also customize the coverage you get if you have special requirements. You may want comprehensive coverage if you still owe money on your auto loan. On the other hand, if your vehicle is paid off, you may have more wiggle room when choosing your policy. If you need coverage due to special circumstances, there are options for you. Infinity’s auto insurance policy can be written as a nonstandard policy, which you may need if you are considered a high-risk driver. Infinity can help you if you need an SR-22.
An SR-22 is a document that your state may require you to get if you have had too many at-fault accidents, have been caught driving without insurance, have been convicted of DUI, or have other issues on your record.
Being required to have an SR-22 can make it difficult for you to get a standard auto policy.
What discounts are available with Infinity Insurance?
As with most insurance companies, Infinity offers a number of discounts for eligible drivers. For instance, you may be able to get a discount from Infinity if you insure more than one vehicle with the company. This is known as a multi-car discount. Infinity also offers renters and business insurance, so you can ask for a multi-policy discount if you have one or more of those policies you are adding to your auto insurance.
Many drivers can save money by paying for their policy upfront instead of in monthly installments. Choosing a higher or lower deductible will usually change your rates, so that can help you when determining how you want to make your payments. Another great way to shrink your auto insurance cost is to improve your driving record and eventually qualify for a good driver or accident-free discount. The best way to get yourself on the road to a less expensive, standard policy is to drive within the speed limits, avoid accidents, and never drive under the influence of drugs or alcohol.
Infinity also offers discounts for:
- Students with at least a B average
- Vehicles with special safety features, such as air bags and anti-lock brakes
- Policy renewals
- Paperless documents
- Customers who renew with or switch to Infinity before their current policy expires
- Drivers over age 55 who take a driving course
One money-saving perk Infinity Insurance company offers to everyone, not just policyholders, is a complimentary roadside assistance program called DriverClub. Instead of paying a hefty monthly or yearly fee, you only pay when using the service.
In what states does Infinity Insurance offer coverage?
Although its parent company Kemper offers policies in multiple states, Infinity currently only offers insurance in California. However, it supports the more than 15 million Hispanic California residents by providing all of its communications in both English and Spanish.
How do you file an auto claim with Infinity Insurance?
Customers can call the 1-800 number or file a claim online with Infinity. Before you click or call, you’ll need to have all your information ready:
- The policyholder’s name
- Vehicle information (such as the Vehicle Identification Number and plate number)
- Details about the incident or accident you’re reporting, including the date and time it occurred
- Your policy number
- A copy of the police report, if there is one
You have to be a current Infinity customer with an online account to use the online process. If you are an existing customer but haven’t set up online access yet, you may be able to do that at the beginning of the claims process.
Some Infinity customers report being dissatisfied with the claims process, reporting to the Better Business Bureau that the company takes a long time to call customers back or is impossible to reach altogether. The National Association of Insurance Commissioners (NAIC) rates Infinity as 7.13, stating that Infinity receives a little over seven times as many complaints as the average insurance company.
Does Infinity offer any other types of insurance?
In addition to its auto policies, Infinity offers these types of coverage:
- Commercial vehicle
- Classic car
- Roadside assistance
- Homeowner’s insurance
- Condo Insurance
- Commercial general liability
Depending on your needs, you may get the best value from having multiple policies with Infinity. If you are looking to add any of these other policies, gather all the information for them before starting your quote. For example, if you need renters or homeowners insurance, write down when your home was built, how old the roof is, and who lives there. If you have a current policy that you want to switch over to Infinity, you will want that information, too.
The Final Word on Infinity Insurance
Infinity Insurance offers California drivers auto coverage, claiming to do so even if a non-standard policy is needed, such as an SR-22. A list of standard discounts, as well as access to a complimentary roadside assistance program, may be attractive to potential customers, as well as the fact that Infinity offers all documents in both English and Spanish.
Getting just the right coverage can be a challenge, but the best way to find the right policy is to shop around and get multiple quotes from several companies. Now that you’ve read this Infinity car insurance review, you should feel confident that you can get coverage even if you need a nonstandard policy.
Frequently Asked Questions
What types of coverage does Infinity Car Insurance offer?
Infinity Car Insurance offers a standard auto policy that includes liability, collision, and comprehensive coverage. Additional coverage options are available, such as personal injury coverage and nonstandard policies for high-risk drivers.
Does Infinity Car Insurance offer discounts?
Yes, Infinity Car Insurance offers discounts for eligible drivers. Some of the discounts available include multi-car discounts, multi-policy discounts (such as combining auto insurance with renters or business insurance), upfront payment discounts, and discounts for good drivers or accident-free records.
In which states does Infinity Car Insurance offer coverage?
Currently, Infinity Car Insurance only offers coverage in California.
How do I file an auto claim with Infinity Car Insurance?
To file an auto claim with Infinity Car Insurance, you can call their 1-800 number or file a claim online. You will need to have all your information ready, including policy details, information about the incident, and any relevant documentation.
Does Infinity Car Insurance offer other types of insurance?
In addition to auto insurance, Infinity also offers other types of coverage such as homeowners insurance, renters insurance, and business insurance.
Are there any complaints about the claims process with Infinity Car Insurance?
Some customers have reported dissatisfaction with the claims process, citing long response times or difficulties in reaching the company. The National Association of Insurance Commissioners (NAIC) rates Infinity with a complaint ratio higher than the average insurance company.
How can I get a quote or compare rates with Infinity Car Insurance?
To get a quote or compare rates with Infinity Car Insurance, you can enter your zip code on their website to access the free quote tool. It is recommended to compare quotes from multiple companies to find the best coverage and rates.
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